Friends who are interested in funds often ask me where to buy funds, how to open an account, how to choose, how to check the share to buy, and whether to buy new funds or old funds. . . . Here I will introduce the process of purchasing funds in detail, hoping to give some help to my friends. (This article only involves open-end funds)
1. Bank subscription or subscription: it is a consignment fund, and there is no preferential transaction fee.
Friends who can't surf the internet: bring your ID card and bank card to the corresponding bank to open a TA account. CCB and BOC need separate securities cards to transfer money and trade with each other. This year, funds are hot, and it is said that some bank outlets have lost their securities cards. Buying funds at the bank counter generally belongs to investors who are not very skilled in network operation. The advantage is that all documents are relatively complete. Disadvantages: It takes time. When purchasing funds from a different fund management company, you need to fill in the corresponding forms and open different TA accounts.
Different banks sell different funds, all of which are on my BOLG. Check it yourself.
Friends with Internet access, go to the bank counter to open online banking, open e-commerce business (you can transfer money), and remember the password. ICBC can get an electronic password card for free. Agricultural Bank of China is also very convenient. Official website, which can log in to the corresponding bank after handling, generally has personal financial services or personal online banking. When logging in, there are generally columns such as securities and funds, and you can follow the steps. I feel that the websites of ICBC, China Merchants Bank and Industrial Bank are more humanized. Convenient. Online banking is convenient, and many TA accounts can be opened, all of which are free.
/mykgt2000
2. Online direct sales of fund companies
At present, it is mostly limited to Industrial Bank Card/Guangfa Bank Card. There are preferential transaction rates and the benefits of convenient capital conversion. Please check on the website of the relevant bank to see if there are any local branches where Industrial Card is widely issued. Guangfa Card supports three funds, namely Guangfa and Yifangda, and just found that the new opening supports harvest fund. The fund companies mentioned are all very good. Industrial card has a wide range. Some GDB cards have lower interest rates. There is no annual fee. You can do it all, or you can do GDB first (after all, some funds in GDB have lower rates). It is difficult to choose which is better. Tip: After the card is completed, it should be traded on the website of the fund company, not on the website of Xingye or Guangfa Bank.
Another tip: when the fund company sells directly online, you should leave a dozen to dozens of dollars in the Industrial Card to pay the UnionPay transfer fee. UnionPay transfer fee below 5K (including 5K) is 2 yuan, and UnionPay transfer fee below 5W (including 5W) is 3 yuan. 5 yuan is above 5W. GDB card doesn't charge UnionPay transfer fee, but you have to deduct a penny to open a fund account and set aside a few more dollars.
ABC Card has announced the opening of seven fund companies and online direct sales in E Fund and harvest fund. There may be more fund companies involved. Among them, E Fund performed the best, and Dacheng, Guo Fu and harvest fund all performed well this year. Agricultural Bank of China card fund direct sales can use electronic payment cards instead of online banking. There is a 20 yuan digital certificate fee for handling the online banking of the Agricultural Bank of China card, and the annual fee varies from place to place, and there is also an inter-bank remittance fee for the online banking of the Agricultural Bank of China card (I am free here). For details, please consult the relevant fund companies and local bank customer service.
China Construction Bank opened E Fund (in some southern provinces and cities), Guangfa Fund (nationwide) and Huaxia Fund for direct sales. For details, please visit the websites of relevant fund companies.
Compared with consignment, direct selling has the advantages of preferential subscription rate and convenient capital conversion. It is recommended to use online direct selling Industrial Card/Guangfa Card. If you don't have a local outlet and want to consider direct sales, you can first apply for Industrial Bank Card and local Agricultural Bank Card to open online banking in other places (that is, after you apply for Industrial Bank Card Guangfa Card in other places, you can transfer money from Agricultural Bank Card online banking, which is free so far. Moreover, the transfer fee for counters of state-owned banks or online banking is generally 1%, which is capped in 50 yuan. There are many counters in the same city in the south (please refer to it yourself for specific meaning), and the northern commercial bank may have preferential transfer. But it may be different from place to place. Please refer to it yourself for details.
/mykgt2000
3. Counter/online trading of securities companies
There are many kinds of consignment funds for large securities companies. Compared with the above two trading methods, its biggest advantage is the trading of closed-end funds (the trading rate of large securities companies may be lower), and banks and online direct selling cannot trade closed-end funds. In addition, there are some types of open-end funds, such as LOF, ETF and Shanghai Stock Exchange, which can be traded in the securities market. Trading is similar to stocks. The transaction fee rate set by the brokerage firm shall not exceed 3‰ of the fund turnover. According to the relevant provisions of the state, fund transactions are exempt from stamp duty. The maximum cost of bilateral transactions is 0.5%. Generally, there is a minimum transaction fee stipulated by 5 yuan. Because this article is aimed at beginners, the content of this method only ends here and will not be expanded.
Which of the above trading methods to choose depends on everyone's free time/convenience. In order to save costs, facilitate transactions and the conversion between money funds and equity funds, I personally suggest online direct selling funds/ICBC online banking or China Merchants Bank (if there is no local Xingye Guangfa outlet). Of course, we should pay attention to network security.
As for how to choose a fund, different people have different views. The key is investors' expectation of investment income and risk tolerance. It is impossible to want to be safe and stable and high-yield. The benefits are in direct proportion to the risks. Any investment is risky.
Please take a closer look at various types of BOLG funds and choose the one that suits you.
Many investors hope that the interest rate of investment funds is higher than that of banks, but they really want to make a lot of money, which is not desirable. Unlike stocks, funds are unlikely to rise and fall (because fund managers have already made a portfolio when investing in the securities market), and they need to be held for a long time to get rich returns.
New funds are generally subscribed, with a net value of 1.000 yuan and a cost of 1.2%. The subscription is 1.5%. Generally, the new fund will be closed for 3 months after its establishment. (During which the fund manager conducts portfolio operation) Then open the subscription and redemption, and announce the latest net value every day. However, due to the hot fund market in 2007, many newly issued funds were sold out in one day and opened in one week. The new fund has no historical reference and no accumulated net value. That is, the net worth is low and the handling fee is slightly lower.
Old funds generally belong to subscription, and their net value changes every day. Subscription fee 1.5%. The old fund has opened a position and has no closure period. You can check the daily net value if you buy it. There are accumulated net worth and historical performance for reference.
The latest fund net value can be found on many websites and published every day.
Www.cnfund.cn China Fund Network
Www.jrj.com.cn financial capital channel
Www.cfi.net.cn Cai Zhongjing Fund Column
Www.hexun.com He Xun Fund Column